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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $102,632 | $72,486+41.6% | $87,103+17.8% | $72,976+40.6% |
| Participation rate | 94.7% | 72.8%+21.9pp | 76.9%+17.9pp | 69.5%+25.2pp |
| Annual return | 21.93% | 24.46%-2.5pp | 28.19%-6.3pp | 81.02%-59.1pp |
| Employer contribution / active EE | $2,401 | $1,894+26.8% | $2,521-4.8% | $2,440-1.6% |
| Participant deferral / active EE | $3,211 | $3,270-1.8% | $4,049-20.7% | $3,608-11.0% |
| Admin fee / account holder | $12,089 | $5,055+139.2% | $7,491+61.4% | $5,124+135.9% |